Many homeowners experience damage to their roof when high winds occur during storms. Sometimes it’s minor, and sometimes it’s major.

Insurance companies pay for wind damage in certain situations, but not in every situation. Depending on insurers standards, the adjuster determines IF enough damage has occurred to justify replacing the roof.

First, you need to know what is determined as wind damage. Tree damage is obvious. Missing shingles are obvious. Bent/creased shingles are not easily recognizable unless you climb on the roof to inpect the damage.

Why would an insurance company pay for a roof replacement for damaged shingles? Because a leaking roof causes more damage, and if interior damage occurs…the cost of the claim increases…especially if mold remediation/prevention is needed.

Understand, however, insurance companies aren’t going to pay to replace your roof “just because you need a new roof”. Insurance is not a roof replacement payment plan although many treat it this way.

If you have wind damage, leaks, etc., we recommend having your roof inspected to determine corrective action. It may just be a repair, it may be worn out elements of your roof, i.e pipe boots, sealant around vents, nail pops, etc. If the damage is significant, a claim may be warranted. If the damage is minor, a repair may be all you need. Either way, if shingles are damaged…a leak is coming sooner or later.

It’s not necessarily a claim worthy event “just because your neighbor got a new roof”. We see this often. Frustrated homeowners because they didn’t get a new roof paid for after filing a claim. Unfortunately, a claim goes on your record whether you get approved or denied. This is just an opinion, but if you get too many claims on file…you may get dropped by your insurer. Honestly, many “roof salesmen” don’t worry about this. They just want to “hopefully” get you a new roof.

At Home Asset Protection Services, or HAPS for short…we specialize in roof repairs. We can fix anything on your roof. Our roof repair technician Richard has been repairing leaks for 25+ years…and believe this….there is a right way and a wrong way to repair a roof. If we see significant damage, we’ll suggest filing a claim as an option….but we’ll also give you a price for a repair. This allows you the opportunity to make your own decision without pressure or false hope.

If you have concerns about your roof, call us at 404-933-6610 to discuss your issues. We mostly service Gwinnett County including Suwanee, Sugar Hill, Buford, Dacula, Norcross, Duluth, Lawrenceville, and surrounding cities including Duwoody,, Flowery Branch, Gainesville, Sandy Springs, and Doraville.

We’re not storm chasers. We’re a roofing company with a proven track record of quality work, honest assessments, and fair pricing. Our motto is to “do it right the first time’, and you have no idea how important this is.

If you have already been approved for a wind damage roof claim, we’ll be happy to assist you with the process. The paperwork (adjuster summary) is hard to understand, and we will guide you through the process by educating you on the claim paperwork, making sure you have been properly compensated for replacement costs, and filing paperwork with insurance company to get back your recoverable depreciation. So many don’t understand this. IF you do the work, you generally get a final check for the depreciation which is withheld from initial claim check. In other words, everything is paid for but your deductible.

As you most likely know, several states received significant damage from the storm which pounded the Southeast on September 11th. Our recovery team at Home Asset Protection Services, LLC or HapsAtlanta.com has been working hard to assist homeowners who received damage to their homes from the storm.

We’ve been removing trees from roofs, tarping roofs, assisting homeowners with filing claims, and repairing roofs for homeowners who have minor damage.

Due to the large area of damage, we are trying to concentrate in the Gwinnett, North Fulton, and Hall County areas to free up as much time as possible to help homeowners with urgent need to get their homes repaired.

If you need to file a claim, file it now! There is a shortage of adjusters due to the damage in Houston and Florida coast. We’re seeing adjuster response times moved out from 24-48 hrs to 5 days, and that’s just for setting the appointment.

If you hav

As a local roofer, we’re focused on our local homeowners, and we will be around years from now when all the storm chasers are gone. Call us at 404-933-6610 is you need help.

With the approach of Hurricane Irma, we expect a rise in roofing claims due to wind damage from the storms. Unfortunately, we also expect an increase in out of state storm chasers coming into town to sell homeowners on filing claims.

At Home Asset Protection Services, LLC, or HAPS, we have been helping homeowners with roof replacement, roofing claims, and roof repairs for several years. We are local to the Atlanta area, and we focus on the Northeast side of town including the cities of Alpharetta, Buford, Collins Hill, Cumming, Dacula, Duluth, Flowery Branch, Lawrenceville, Norcross, Peachtree Ridge District, Sugar Hill, and Suwanee.

Filing the claim is the easy part. Understanding the claim paperwork (adjuster summary), missed items in insurance adjuster summary, filing for recoverable depreciation, filing supplemental claims for proper compensation….and most importantly….getting the work done efficiently and properly…are areas where you need help. Call us at 404-933-6610 to discuss your roof issues, and we can repair your roof or help you with the entire claims process from start to finish. If you have leaks, they need to be repaired, and they’re not always storm related. If you experience wind damage, the leaks may not surface immediately, so take a look at your roof after the storm to see if you have any missing or creased shingles. Don’t climb on the roof. It’s not safe unless you’ve got experience and the right equipment to safely navigate the area.

Based on our experience, using a local roofing contractor is paramount following a storm with high winds, hurricanes such as Irma, or hail storms (usually in the spring). Also, using a roofing company who specializes in leak repairs is an integral part of choosing the right roofing contractor. If you use an out of state contractor, who are you going to call if you have a problem? If a company doesn’t specialize in repairs, how do you know they are re-roofing your home properly.

Common issues we see with improperly built roofs include…

Improper flashing at walls and chimneys,

No chimney pan or cricket on back side of chimney.

No flashing replacement due to need to pull back siding to replace.

Re using old turtle vents.

Improper pipe boot installation.

No ice & water shield in areas prone to leaks

Improper roof ventilation.

Not filing permits in cities which require permits.

and the list goes on and on. When a roof is built…it’s supposed to last. It only takes a pinhole to leak.

As for filing claims, insurance companies assessment of damage varies depending on company. Most insurance companies “approve” claims based on a determined amount of damaged shingles on each slope of the house. In other words, if you have wind damaged shingles on the front of your home and none on the back of your home…you will most likely only qualify for a partial roof replacement.

Another factor is the condition of your shingles. If shingles are brittle, it’s impossible to change a shingle without the shingle above it cracking. This is the main reason roof claims are approved for wind damaged shingles. Generally, with a “new” roof (less than 7 years), the shingles will most likely “pass” the brittle test.

Understand, approval of a roof claim is a subjective opinion based on the insurance adjuster/company. Some companies are more generous in their assessment while others are very difficult to deal with. Call us at 404-933-6610 to discuss our opinions.

Finally, understanding supplemental claims and depreciation are a complex part of the process. If you handle the claim and hiring of a contractor on your own, you may get shortchanged…or even taken advantage of. Use a local company with a proven track record of honesty and quality work.

We hope you’ll consider Home Asset Protection Services (HAPS) if you have issues on your roof. We can repair or replace your roof, and we do it right the first time. Call us at 404-933-6610 today if you are having issues with your roof; and if Hurricane Irma hits the Atlanta area, we pray for the safety of all.

On July 6, 2016 a large squall line brought severe storms through Gwinnett County taking down trees in many areas including Berkeley Lake, Buford, Grayson, Lilburn, Lawrenceville, Snellville, Sugar Hill, and Suwanee.

In addition, many roofs were damaged from high winds across the county.

Home Asset Protection Services, LLC (HAPS) is a local roofing company who has many years of experience dealing with roofing claims and the insurance claims process. While homeowners are familiar with the big hail storms in 2009 and 2011, many are not familiar with wind damage claims.

First and foremost, if you have tree damage on your home, call 404-933-6610 to have emergency tarps on your roof to stop further damage.

Next, If you are interested in potentially having your roof covered by your homeowners insurance, now is a good time to look into the possibility.

FYI, here is what is about to happen. Storm chasing roofing companies will come into town, hire a bunch of door to door salesmen familiar with the process, and start visiting your home to help you file a claim.

Herein lies the problem. Many of these companies are out of state. If you get your roof replaced by out of state companies…who are you going to call if you have a problem?

We have been in the Gwinnett area for several years, and over the past few years approximately 80% of our work has been roof leak repairs…often due to shoddy construction.

In many cases we advise homeowners with newer roofs to call on the contractor who warranties the work. Guess what? Company is out of business, and homeowner is stuck holding the bag.

We’re not saying all roofing companies are like this. There are many reputable roofing companies in the Metro Atlanta area; and the lack of storms over the past few years have weeded out some of the bad apples.

With that being said, we highly recommend you using a LOCAL company to assist you with your roofing claim who is honest, experienced in roofing and repairs, and experienced in the roofing claims process.

If you would like to have your roof inspected from storm damage, call HAPS at 404-933-6610. We will ask a few questions and determine if your home is in an area susceptible to roof damage.

Don’t delay. While only an opinion, the longer you wait…the less chance you have of getting your roof approved.